# CAPMARK BANK
MIDVALE, UT · FDIC certificate 57529 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $120.5M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $113.5M | |
| Loans / deposits | 0.00% (p1 of band) | 69.26% |
| Liquid assets / assets | 53.23% (p81 of band) | |
| Uninsured deposits / deposits | – | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 38.01% (p98 of band) | 10.33% |
| Unrealized securities loss / equity | 0.00% (p62 of band) | -0.53% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -0.72% (p4 of band) | 0.77% |
| Net interest margin | -0.34% (p0 of band) | 3.62% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.08% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 7 | losing money, expense ratio p90 |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 7 |  | uninsured deposits leaving |
| 2012-09 | 5 |  | noncurrent p90, reserve under noncurrent |
| 2012-12 | 5 |  |  |
| 2013-03 | 6 | losing money |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 4 |  | brokered >10%, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-01-31 [Capmark Seeks Bankruptcy Protection - WSJ](https://news.google.com/rss/articles/CBMifEFVX3lxTE5STDRzTTVSLWNuTEo5NzdfSjZFRkpEbDR4QzM1UEJkZnlRQzdQUFlvUmNaVE9zTUEyUnY1Xzg5a1dVc2VYcnVscnNpRU02RjNoZjNtNXFjS3Npa2xIV2pNRlVsN2lYMW8wX1pxbXEyeWtnX0tEWUk5N3c2V1U?oc=5) · WSJ
- 2012-05-19 [In liquidation, Capmark may have some appeal for investors - Barron's](https://news.google.com/rss/articles/CBMiggFBVV95cUxORnMxTzZ6amF6WHp6RG5NT2xjOVY1QVV0Tm1JWjdYVE04MGlHQ1FtRllfZXpRSVp3WkhxQ3dSUWdDN291WDZGczZiTkpwMHVUMWl6OGg5Q05CSlRwdkh1bVNkWXZfUjdpZGp4SElEQktxTURvNHU4Wkl2UXEwUW5sUmln?oc=5) · Barron's
- 2022-08-04 [Metallicus Forms Advisory Board of Banking Regulatory and Compliance Experts - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPclNiN2xhUTJ3Wm1DcXJ1R1o1QlVUNU5ndFN6MVd3UlpFVl9BTGtsbTRpTFQtTlpUS2FBbVFBTGE0Z01ZU0V4N3laU3JOT2c5NGlOUV85UVZ1RklCUzVMY2h0YUplT1VkNWRHQ1hXdFQ5SENVbTloMUJ1dHNDOS1RZGxfSE5yNGh3M0tqelc1NzBnbGthdC1lcE1vUWNZUjJza3NXRHpUcGlfMHpBQkxYVHEwM0xMVTZXU2VnNy00TklmRGRKdFNqRGVOck9GUQ?oc=5) · Business Wire
- 2011-06-15 [Sandwich Ridge Club sold at auction - Cape Cod Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNG5rU3d0ZmFMbjVicGVFMkxGcTU1Qm9Lekc4OTBJWWRtbnQ0U2lTWnUtS093c0JjSV9ZR2lSeWRFUGdKMkNXX1hIeFdDQzdtYWYwbTItREE3Qkh5bUV4SUl0S0c1SC1VODcyMUh2Y2xSdTBJVzF4Qjg3Zk9ONi1mMVp4Z0o1X2ctdEc2N3BvNzNXQW1halloYnRxZw?oc=5) · Cape Cod Times
- 2009-10-07 [Fed Frets About Commercial Real Estate - WSJ](https://news.google.com/rss/articles/CBMiXkFVX3lxTE16TnRzdEF0alJ2bXYtY3lkcWJ0WHBGNXYyVmJyZjhiRnpCN2h2ZGhsdDRTRms2Z0NOMDB3NTNCZzlGY21oeGV2Q1B3dXJQeXNXcDE4WWtFR3pOUElrNUE?oc=5) · WSJ
- 2012-03-28 [Investors driving home excellence at Bull Valley Golf Club - Shaw Local](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOUdwX0l1WTMtbDF6OC1Ecll0bkp4UmZJS05nNEFza3daQVMwOWFKb3JZeV95eFQ0Ykh2dEl5SDk3RGlqeFB3eFpkM0FTVU5RRWJ6Wk5uZXozYXdGSDBlMThwbmNhLXI3cUctNGItUEplNzY4QUVKalFTMjJuMXB5TFN2TVpVbWgyS1UxY0phTlZlSnFLZDQwYVdXRHYwVXFxN2tWSmhBWQ?oc=5) · Shaw Local
- 2012-02-24 [Ridge Club in Sandwich sells for $3 million - Cape Cod Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxQN3BRdXUtUWtGb3ZyaGp2OXlJb2RiZjlxWXBGS1lLQWw1TUpSVzI1UWFrenB6b2ZQTTI0MmZiVk9xMGdxRUhwdjdCai1LWThzNE9mZzA2TExLMDI3OEJNLThmZ1hhdXNJak9kcF9LY21VUXRlajU2Y2hmNHFjVUk5MFR4SHFOTnphRnRKYzQ1SG9ZMEVrTER4Rm9YeVI?oc=5) · Cape Cod Times
- 2012-03-10 [New Ridge Club owners outline plans - Cape Cod Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVF96dlY2VFRObUlKdHlycUhVZ3RsOG1VQjM4SGpmSkc1anZQNncwSzRSQThaNXk4MnBrSS15aGE1Vm1oOWVBTmJaVkxVQi04RTdlbkN5d1F6SXlYM3hvU1lNS3I1OTlmdml5LVAtUFVweFJEYkVvN3FVUzljbGlPNmZWbG9SeXFuV0hiSHRMa05zbXprZDFWQ2tJUmNhaE9NMUtENXdlbjNVVUpiR3c?oc=5) · Cape Cod Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57529 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "57529", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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